In order to understand just how much you spend you need to get everything down on paper. This is no easy task. With this calculating Budget Worksheet you simply enter your spending information into the form and each category is calculated as you go.

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Budget Form


When you have your Calculating Budget Worksheet completed you can easily transfer that information to this helpful Budget Form that is completely customizable to list your bills the way you want them.

When you enter your figures in the left column, the first table in the right column automatically calculates your income minus your expenses to show you what you have left for savings. The second table shows you how much of your income you should be spending on each category. The third table tells you, by percentage, what you are actually spending in these categories. The fourth table helps you know how you need to distribute your paycheck to make sure everything is covered.

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Budget Ledger
Here is a real handy form that helps you keep track of what bills you need to pay each month, who you have already paid and what bills need to be paid for the month. This form covers a three (3) month period so you won't need to make up a new one each month.

With the Calculating Budget Ledger you enter your bills once, save it to your computer, and you will have this information available to use over and over again. It has spaces to enter the name of the bill, the date the bill is due and your normal payment. Then each payday you simply enter the date you paid the bill and how much you paid. The form will calculate how much you have paid each month on bills. It also calculates what you have paid on each bill for the three months plus the total you have paid on all bills.

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Monthly Bill Summary
The Monthly Bill Summary is designed to help you eliminate the chance of paying your bills late and incurring extra charges. You simply enter your bill information, save it to your computer. Then on payday you enter the date paid and the check number. You will know at a glance what you have paid and what still needs to be paid.

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Monthly Bill Summary Part 2
Part 2 of the Monthly Bill Summary is an important form that allows you to schedule an equal amount of money to pay toward your bills each payday. This helps your organize your bills and provides you with the money you need to run your household.

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Credit Card Pay Down Schedule
This is one of the most valuable tools you can have if you have credit cards. When you enter your credit card name, balance and interest rate you can easily find out how much of your payment is going toward interest and principal and your new balance. You can enter different payment amounts to see how fast paying a little more will make the balance go down.

That is just the beginning. You can play with the form by entering different interest rates and payments to see how much difference they could make in your debt repayment or by getting another card with lower interest. You can even enter the month, up to 12, to track each credit card.

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Credit Card Tracking Sheet
Here is where you can track what you owe on all of your credit cards combined. You simply take your statements each month, enter the name of the card, your beginning balance and how much you paid in interest and principal. The form will automatically calculate your new balance. When you have entered all of your cards you will be able to see if your credit card debt is actually going down.

Why just use this for Credit Cards? You don't have to. You can enter your mortgage, installment loans or any other debt you have and it will calculate all of it.

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Credit Card vs Low Interest Loan Comparison
With loan interest rates at an all time low it is probably a good idea to at least consider consolidating your credit cards with a single low interest loan. But will you really save that much? With this calculating form you can enter your credit card interest rate and the interest rate you expect to get from a loan and it will calculate your savings instantly.

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Debt Reduction Table
Would you like to do what the big debt reduction companies do. With this form you will be able to enter your information on all of your credit cards and watch as your debt is eliminated. You will easily see how paying a little more can make this happen even quicker.

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Check Register and Reconciliation Form
There aren't too many tasks that involve money that can add up charges faster than a disorganized checking account. With this form you can enter the exact same information as you would on a printed check register. It even has a special form where you can reconcile your checking account when you receive your bank statement. And it calculates the numbers for you.